If it is a personal housing loan from our bank: 1. The minimum down payment ratio for the "first house" is 30%, that is, the maximum loan amount shall not exceed 70% of the value of the property purchased (in cities that do not implement "purchase restrictions", the down payment ratio shall be no less than 70%) 25); 2. The minimum down payment ratio for a “second home” is 40%, that is, the maximum loan amount shall not exceed 60% of the value of the property purchased.